Estate planning at SILAC
How to protect 6 SILAC accounts — manage beneficiaries by phone, fund a trust by mail, and file death claims
SILAC
Subsidiary of SILAC, Inc. (pending acquisition by Hildene Capital Management, LLC, announced December 2025, expected to close mid-2026)
silacins.com→
Customer Service
Phone1-800-352-5150
Mailing Address
SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
FIA Service Center
MYGA Service Center
New Business
Agency Services
LTC Customer Experience
WebsiteLearn more→
Customer Service
Phone1-800-352-5150
Mailing Address
SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
FIA Service Center
MYGA Service Center
New Business
Agency Services
LTC Customer Experience
WebsiteLearn more→
Death Claims
Phone1-800-352-5150
Toll-Free1-800-352-5150
Mailing Address
SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
WebsiteNotify online→
Verified Jul 2026
With 6 products relevant to estate planning, SILAC policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with SILAC are what determine who receives the death benefit.
Beneficiary changes at SILAC can be made by mail and by phone. Accounts can also be linked to trusts through beneficiary designations to keep them out of probate entirely.
There are two sides to estate planning at SILAC: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries by phone, fund a trust by mail, and review 6 account types at SILAC.
View details →When someone dies
Death claim process
6-step process, 6 required documents, and contact information for survivors.
View details →Frequently asked questions
Yes. SILAC supports trust ownership of annuity contracts via the Annuitant-Ownership Service Form, available for download at https://media.silacins.com/annuity/annuitant_ownership_service_form.pdf. The trust must provide its full legal name, date of establishment, trustee names, physical street address, and Tax Identification Number (EIN). A Certification of Trust or copy of the trust document is required. If the owner is not a natural person, the form must be signed by the authorized representative with documentation of authorization. Trust-owned annuities held by non-natural persons may lose tax-deferral advantages unless an exception applies under IRC Section 72(u); consult a tax advisor before purchasing or transferring an annuity into trust ownership.
The Elevation and Elevation Plus riders are optional add-ons available on the Teton and Denali FIA product lines. Elevation provides enhanced liquidity by increasing free annual withdrawals to 10% of account value and adding cumulative free withdrawal provisions. Elevation Plus adds an upfront premium bonus on premiums received during the first policy year, in addition to Elevation liquidity benefits. An annual spread applies during the withdrawal charge period. For trust-owned annuities, these riders can be useful when the trust requires regular distributions, as the 10% annual free withdrawal amount is available without surrender charges.
Sources
Data sourced from SILAC primary sources (19 pages reviewed). How we research.
SILAC
Subsidiary of SILAC, Inc. (pending acquisition by Hildene Capital Management, LLC, announced December 2025, expected to close mid-2026)
silacins.com→Customer Service
Phone1-800-352-5150
Mailing Address
SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
FIA Service Center
MYGA Service Center
New Business
Agency Services
LTC Customer Experience
WebsiteLearn more→
Customer Service
Phone1-800-352-5150
Mailing Address
SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
FIA Service Center
MYGA Service Center
New Business
Agency Services
LTC Customer Experience
WebsiteLearn more→
Death Claims
Phone1-800-352-5150
Toll-Free1-800-352-5150
Mailing Address
SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your SILAC accounts and other assets with trusts, beneficiary designations, and estate planning documents.
